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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,404 Customer Comments & Reviews - see all comments
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Choice Home Warranty is a New Jersey-based company founded in 2008 which offers services contracts. Their plans offer protection against the cost of repair or replacement of major systems and appliances in the home via several plans. Each plan also offers optional coverage for septic systems, pools /spas, well pumps, sump pumps, central vacuuming systems, limited roof leaks, second refrigerators, and standalone freezers.

How Do We Rate Choice?

Breakdown

4.8/5
Transparency
4.5/5
Claims Processing
4.5/5
Coverage Options
4.8/5
Additional Benefits
4.3/5
Customer Experience

Our Overall Rating: 4.6 / 5 (Excellent)

Choice Home Warranty offers a full array of home appliance and systems coverage at a competitive price. The company offers two plans for existing home owners —Basic and Total. In addition to a monthly premium, customers can expect to pay an $85 service fee each time they make a claim, which falls in low-to-mid range when compared to other home warranty companies.

You can submit a claim 24/7, including holidays, via phone, online, or app. The company utilizes proprietary technology to begin the dispatching process after a claim is filed. The company has recently updated their plans increasing coverage and has fewer limitations. Their plans and optional coverage can cover over 25 major systems and appliances.

Choice Home Warranty earns a B rating from the Better Business Bureau and has a positive rating on Trustpilot, but in this industry, negative customer reviews far outnumber positive ones.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Typical Appliance Benefit Limit
$3,000
Typical Systems Benefit Limit
$3,000

Coverage Options - 4.5 / 5

Choice Home Warranty offers existing homeowners two plans, each of which cover a mix of systems and appliances. The primary difference between its Total plan and its Basic plan is that refrigerators, washers and dryers, and air conditioning systems are not included in the Basic Plan. Optional coverage for such items as pools and spas, well pumps, and septic systems is available for an additional fee. The company states that, in any case, its total liability for any single item is capped at $3000, but lower limits do apply to some covered items.

What does Choice cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Central Vacuums
  • Ceiling Fans
  • Ductwork
  • Sump Pump

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Built-in Microwaves
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer
  • Ranges
  • Ovens

Exclusions

For a full list of Choice exclusions, check out this page.

Specialty Items

  • Pool
  • Spa
  • Septic Tank Pumping
  • Second Fridge
  • Freezer
  • Limited Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $0
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 5 / 5

We requested a quote for a single family home of less than 5000 square feet in a small midwestern city. The premium for Choice Home Warranty's Basic was $47.85 per month and the premium for its Total pan was $54.95 per month. With the cost difference between the two plans being only about $7 per month, to our mind, the Total plan a better value overall because it includes coverage for three of the most common appliances: refrigerators, washers, and dryers. It also includes coverage for air conditioning systems.

The company's co-pay for a service call is $85, slightly less than most comparable companies. The co-pay may be reduced further with special discounts and promotions.

Sample Contract

Choice provides a sample contract for potential customers on its website: Choice Sample Contract

Cancellation Policy

The contract shall be non-cancelable by the company except for nonpayment of contract fees or service fees, fraud or misrepresentation of facts by the customer, or by agreement between client and company. Customers may cancel within the first 30 days of the order date for a full refund of the paid contract fees. If canceled after 30 days, the customer shall be entitled to a pro rata refund of the paid contract fee for the unexpired term, less a $50 administrative fee and any service costs incurred by the company.

Claims & Service

Claims

Service Fee
Choice Home Warranty two plans include the same $85 service fee, also known as a deductible.
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Contractor Network Size
15,000+
Number of Technicians
15,000+
Service Recall Period
30 days

Claims Processing - 4.5 / 5

The company's claim center takes calls 24/7/365. Claims can be made online or by calling the company.

Choice Reputation

Company Details

Year Founded
2008
NHSCA Membership
Number of Employees
500+
TrustPilot Rating
3.9 out of 5
BBB Rating
B
Date Collected
2021-12-15

Reputation - 5 / 5

Choice Home Warranty is one of the fastest growing organizations in the USA, winning Inc 5000 awards for 7 years running. U.S. News & World Report's 360 named Choice Home Warranty Among the Best Home Warranty companies two years in a row, and BEST CLAIMS Service. Choice Home Warranty is also a member of the National Home Service Contract Association (NHSCA), an industry trade organization serving home service contract providers and consumer interest throughout the United States.

While the company earns an average B rating with the Better Business Bureau, consumers have lodged over 9000 complaints against the company in the past three years with that organization. Choice Home Warranty earns only 1 star out of 5 from consumers who have reviewed the site on the BBB's website. The BBB also notes that Choice Home Warranty has been the subject of several significant legal actions by the Arizona Attorney General's office. The company has also been reprimanded by the BBB itself for improperly offering financial incentives to clients who leave positive reviews.

Choice Home Warranty fares much better on Trustpilot, where consumers award the company 3.9 out of 5 stars.

Contact & Additional Information

Homepage URL
Company Phone
(888) 531-5403
Headquarters Address
2147 Route 27 South, Edison, NJ, 08837
Year Founded
2008

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11404 Customer Comments & Reviews

Loading Reviews ...
matthewsdiamondgirl
8/10/2022
Very good response to my problem. Wait time between appointments is quite long. But repairman is very knowledgeable.


S
S
8/10/2022
They look for any excuse to get out of coverage. Multiple problems over the multi-year warranty I bought. 1. I bought a used property, so I didn't have maintenance records. When the A/C failed, they declined to cover because I couldn't prove proper maintenance. They said it was dusty so i didn't look like it had been maintained. 2. When the dishwasher failed, the replacement value they offered was far less than the least expensive dishwasher at any store. 3. A part on the refrigerator failed, causing another part to fail. They replaced the first part, but declined to repair the 2nd part saying it was secondary damage. --- Horrible warranty coverage.


geo.his.art.muse
8/10/2022
Given that all the appliances in our condo were the original ones installed when the building was completed in 2003, this was one of the best investments we've ever made. We have replaced all of them except the refrigerator at this point and the warranty went a long way in ameliorating the expenses for this retiree. So yeah, I've been telling all our condo neighbors about the high value for having this warranty. Hopefully some have reached out to you. Cheers.


kcattage7785
8/10/2022
The technician that came out was very professional, detailed and quick. He came out and diagnosed the problem quickly and fixed it in the same manner. Would definitely recommend them to everyone!


joycejackson49
8/9/2022
NO HESITATION WITH THE GOODS THEY OFFERED. YOU DON'T NEED TO DOUBT THEM. I HAVE HAD A BAD EXPERIENCE WITH ANOTHER WARRANTY COMPANY AND I MEAN A BAD ONE. GOOD THINGS COME TO THOSE THAT WAIT.


stellatownsend5
8/9/2022
I highly recommend this company! When summited a claim, response was right away! The technician was available next day, due to my work I couldn’t take first appointment available. I asked to be a Saturday in the morning, I was told yes! He arrive at 7:30 AM, was very polite and knowledgeable, fix my appliances. I can continue to go on and on about this great experience! Thank you everyone for making this so easy to deal with!


M
Mike
8/9/2022
The service guy is/was awesome. Super friendly and knowledgable. You can tell he enjoys his job and strives to make sure the customer is happy.


H
Henry Y
8/7/2022
Choice Home Warranty reviews and resolves my issues in a timely and satisfactory manner.


L
Lori K
8/7/2022
Excellent quick service. I only wish Choice would have the contractors call us and not set up service via email. Not everyone works in a job where they can check email on a daily basis.


R
Randy
8/6/2022
Since we bought our home in Illinois we have been looking for a good home warranty. Several companies gave us quotes that we were not satisfied with because of the price. Choice Home Warranty popped up as a Veteran friendly company and the quote proved to be just that for us. We are pleased with the quote and hope to receive quality service as needed in the future.



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